Provides savings accounts for individuals and families. Offers money market accounts with competitive interest rates. Now — the numbers.
This is an established company with proven profits.
Average growth of 16% a year over the last 4 years. Every year shown ended in profit.
The market pays 52.4× for every dollar this company earns in a year — a price that already assumes things go well.
Against companies in its own sector, it looks cheaper than 71% of them.
Analysts' average target sits 18% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Clearly above the class average — a step short of the very top.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades 17% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 16% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
It pays out $1.17 per share each year — regular cash for whoever holds the stock.
The company’s market value is 52 times its annual profit. Even a small disappointment could hit the price hard.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 25/100.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 46/100.
On our five-subject report card, TFSL sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: TFSL is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
Not covered, because the filings we hold do not carry it: the revenue breakdown.